The American Categorical Platinum Card has lengthy been a favourite amongst frequent vacationers and heavy spenders, due to its premium rewards and life-style perks. American Categorical just lately refreshed the cardboard, including new advantages valued at as much as $3,500 a yr.
However these perks are paired with a charge improve; American Categorical elevated the present annual charge of $695 to $895 per yr.
For some cardholders, the brand new and expanded perks make the charge improve price it, however for others, the Platinum Card is not the good worth it as soon as was.
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Breaking down the brand new advantages
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The Platinum Card consists of new and expanded advantages throughout eating, journey, wellness and leisure classes. Starting September 18, 2025, cardholders will take pleasure in new advantages, together with:
- Eating and Resy credit. Platinum Card® holders can earn as much as $100 in assertion credit every quarter (as much as $400 yearly) after they use their card at U.S. Resy eating places or for different eligible Resy purchases. Cardholders additionally get entry to Platinum Nights by Resy, which provides unique reservations at choose in-demand eating places. To take benefit, merely add your eligible card to your Resy profile and enroll to unlock Platinum Nights reservations close to you.
- Expanded resort credit and luxurious journey perks. Rise up to $300 in assertion credit semi-annually on pay as you go High-quality Resorts + Resorts® or The Lodge Assortment* bookings by way of American Categorical Journey® utilizing the Platinum Card®. *The Lodge Assortment requires a minimal two-night keep.
- Life-style and wellness advantages. The brand new perks embrace as much as $120 in assertion credit annually for auto-renewing Uber One memberships when paid with the Platinum Card® (enrollment required). Cardholders may also obtain as much as $300 in Lululemon credit yearly (as much as $75 per quarter) for eligible purchases made at U.S. Lululemon shops or on-line, excluding outlet places. As well as, Platinum Card members who buy an Oura Ring by way of ouraring.com utilizing their card can earn as much as $200 in assertion credit every calendar yr — although the credit score applies solely to the ring itself, to not subscription or membership charges.
- Digital leisure credit. Cardholders may also obtain quite a few credit for digital leisure subscriptions. Subscribers to Disney+, ESPN+, Hulu, The New York Occasions, Paramount+, Peacock, The Wall Avenue Journal, YouTube Premium and YouTube TV can obtain as much as $25 in assertion credit every month after they use their Platinum Card to make eligible purchases.
Lounge entry and standing perks are nonetheless in place. American Categorical might be increasing its Centurion Lounge Community to incorporate a Haneda Airport in Tokyo, Japan, and a Salt Lake Metropolis Worldwide Airport in Utah. Cardholders can entry greater than 1,550 airport lounges.
The maths on $3,500 in perks
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In whole, the $895 Amex Platinum Card provides as much as $3,500 in annual perks. In the event you’re ready to make use of the complete quantity, the upper annual charge might be worthwhile. However in actuality, most cardholders will seize solely a portion of that worth.
For instance, an off-the-cuff spender may reap the benefits of the $300 Lululemon credit score and, of their first yr, the $200 Oura Ring credit score. Add within the $155 Walmart+ profit and some digital leisure credit, and their whole worth may meet — or barely exceed — the $895 charge. Nonetheless, it’s unlikely these perks will ship vital worth past the price of the cardboard.
In contrast, a frequent traveler may come out far forward. They could use the $600 in resort credit, the $120 Uber One profit, and the $400 Resy eating credit score, on prime of incomes 5X factors on flights and pay as you go lodges. Mix these with upgrades and Centurion Lounge entry, and the Platinum Card’s worth can simply outweigh its $895 price ticket.
When evaluating the perks that you just may get from the cardboard, pay shut consideration to the necessities for every perk. For instance, some bank card perks, just like the digital leisure credit score, require you to enroll to obtain the reward.
Different perks require quarterly use; the Resy credit score is issued in as much as $100 assertion credit every quarter. The Lululemon credit score can be issued quarterly once you make in-store purchases. You’ll must learn the fantastic print to be sure to’ll get essentially the most worth from the bank card perks.
Who comes out forward
The American Categorical Platinum Card provides the best worth to cardholders who’re frequent vacationers, diners and life-style spenders. People who’ve a number of streaming subscriptions, who often ebook flights and resort stays and who store at retailers like Walmart+ and Lululemon are greatest positioned to reap the benefits of the cardboard’s perks.
Cardholders who aren’t giant spenders or who don’t often journey will use fewer perks and will discover it more durable to justify the upper annual charge.
Our tackle the brand new Platinum
The American Categorical Platinum Card refresh delivers some interesting advantages, however they arrive at a price. The Uber One, Resy and resort credit are notably interesting to vacationers, whereas the digital leisure and Lululemon credit score are attractive life-style additions that many cardholders might be able to use.
That stated, the Platinum Card is a top-tier rewards bank card, and its charge improve is steep. Cardholders will see that the charge improve goes into impact at their subsequent renewal date on or after January 2, 2026, for shoppers. (The rise will take impact on or after December 2, 2025, for enterprise cardholders.)
In the event you’re contemplating making use of or renewing the Platinum Card, you’ll must fastidiously contemplate how a lot worth you’re prone to get from it, and whether or not that worth outweighs the annual charge.
As an unbiased publication devoted to serving to you profit from your cash, the article above is our view of the most effective offers and isn’t the opinion of any entity talked about corresponding to a card issuer, resort, airline and many others. Equally, the content material has not been reviewed or endorsed by any of these entities. This text solely opinions choose bank cards. We could get compensation when you go to associate hyperlinks on our web site. We could not cowl each accessible supply. Our relationship with advertisers could influence how a suggestion is offered on our web site. Nonetheless, our collection of merchandise is made independently of our relationship to advertisers.
